| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC DBA TRION GROUP MMC | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | PRUDENTIAL | $622K | — | $622K | 1.67% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | HARTFORD LIFE AND ACCIDENT | — | $500K | $500K | 1.61% |
| DIGITAL INSURANCE LLC3 | 72 SHARP ST UNIT C12 HINGHAM, MA 02043 | HARTFORD LIFE AND ACCIDENT | $124K | — | $124K | 0.40% |
| DONALD HURWITZ3 Filed as: DONALD S HURWITZ | 1600 DIVISION ST STE 400 NASHVILLE, TN 37203 | HARTFORD LIFE AND ACCIDENT | $124K | — | $124K | 0.40% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC DBA TRION GROUP MMC | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | PRUDENTIAL | $154K | — | $154K | 0.90% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 194062772 | UNITEDHEALTHCARE INSURANCE COMPANY | $443K | — | $443K | 2.95% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL ST BOSTON, MA 02110 | SUN LIFE ASSURANCE COMPANY OF CANADA | $234K | — | $234K | 1.74% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY W VEVA 16, SUITE 3 BLUE BELL, PA 19422 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $53K | $53K | 0.39% |
| RSC INSURANCE BROKERAGE INC3 | 4555 LAKE FOREST DR, SUITE 510 CINCINNATI, OH 45242 | SUN LIFE ASSURANCE COMPANY OF CANADA | $52K | — | $52K | 0.39% |
| SEDGWICK CLAIMS MANAGEMENT SERVICES5 Filed as: SEDGWICK CLAIMS MANAGEMENT SVCS INC | 2620 THOUSAND OAKS BLVD MEMPHIS, TN 38118 | PRUDENTIAL | $5.8M | — | $5.8M | 83.77% |
| AON CONSULTING INC Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 606731298 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $6K | — | $6K | 0.11% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC-INDIANAPOLIS | 29840 NETWORK PLACE CHICAGO, IL 606731298 | HUMANA COMPBENEFITS INSURANCE COMPANY | $18K | — | $18K | 1.01% |
| WILLIAM KELLY3 Filed as: WILLIAM A. KELLY | 3100 WEST END AVE. STE 905 NASHVILLE, TN 37203 | TRANSAMERICA LIFE INSURANCE COMPANY | $194 | — | $194 | 0.01% |
| AON CONSULTING INC Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | CIGNA DENTAL HEALTH OF FLORIDA, INC. | $16K | — | $16K | 1.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 3565 PIEDMONT RD NE, SUITE 600 ATLANTA, GA 30305 | DELTA DENTAL OF TENNESSEE | $16K | — | $16K | 1.00% |
| AON CONSULTING INC Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | CIGNA DENTAL HEALTH OF TEXAS, INC. | $16K | — | $16K | 1.00% |
| WILLIAM KELLY3 Filed as: WILLIAM A. KELLY | 3100 WEST END AVENUE, SUITE 905 NASHVILLE, TN 372031394 | METROPOLITAN LIFE INSURANCE COMPANY | $54K | — | $54K | 5.03% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 3565 PIEDMONT RD NE, SUITE 600 ATLANTA, GA 30305 | DELTA DENTAL OF TENNESSEE | $11K | — | $11K | 1.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 3565 PIEDMONT RD. NE STE 600 ATLANTA, GA 30305 | DELTA DENTAL OF TENNESSEE | $7K | — | $7K | 1.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 3565 PIEDMONT RD. NE, STE. 600 ATLANTA, GA 30305 | DELTA DENTAL OF TENNESSEE | $7K | — | $7K | 1.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | CIGNA DENTAL HEALTH OF CALIFORNIA, INC. | $5K | — | $5K | 1.00% |
| AON CONSULTING INC Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | CIGNA DENTAL HEALTH MISSOURI, INC. | $4K | — | $4K | 1.00% |
| AON CONSULTING INC Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | CIGNA DENTAL HEALTH OF VIRGINIA, INC. | $4K | — | $4K | 1.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 3565 PIEDMONT RD NE, SUITE 600 ATLANTA, GA 30305 | DELTA DENTAL OF TENNESSEE | $2K | — | $2K | 1.00% |
| AON CONSULTING INC Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | CIGNA DENTAL HEALTH OF KANSAS, INC. | $2K | — | $2K | 1.00% |
| AON CONSULTING INC Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | CIGNA DENTAL HEALTH OF KENTUCKY, INC. | $185 | — | $185 | 1.00% |
| AON CONSULTING INC Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | CIGNA DENTAL HEALTH OF COLORADO, INC. | $7K | — | $7K | 100.00% |
| AON CONSULTING INC Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | CIGNA DENTAL HEALTH OF MARYLAND, INC. | $54 | — | $54 | 1.00% |
| AON CONSULTING INC Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | CIGNA DENTAL HEALTH OF NORTH CAROLINA, INC. | $38 | — | $38 | 1.00% |
| AON CONSULTING INC Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | CIGNA DENTAL HEALTH OF PENNSYLVANIA, INC. | $26 | — | $26 | 0.99% |
| AON CONSULTING INC Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | CIGNA DNETAL HEALTH OF ILLINOIS, INC. | $18 | — | $18 | 1.00% |
| AON CONSULTING INC Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | CIGNA DENTAL HEALTH PLAN OF ARIZONA, INC. | $14 | — | $14 | 1.01% |
| AON CONSULTING INC Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | CIGNA DENTAL HEALTH OF OHIO, INC. | $12 | — | $12 | 1.02% |
| AON CONSULTING INC Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | CIGNA DENTAL HEALTH OF DELAWARE, INC. | $10 | — | $10 | 1.04% |
| AON CONSULTING INC Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | CIGNA DENTAL HEALTH OF NEW JERSEY, INC. | $1 | — | $1 | 0.83% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE INSURANCE CO EIN 36-2739571 CLAIMS PROCESSOR | Other services; Claims processing Service code 12 | 9700 HEALTH CARE LANE MINNETONKA, MA 55343 | $40.1M |
| METROPOLITAN LIFE INS CO EIN 13-5581829 INSURANCE CARRIER | Claims processing; Contract Administrator Service code 12 | 501 US HIGHWAY 22, 2ND FLOOR WEST BRIDGEWATER, NJ 08807 | $3.9M |
| BLUECROSS BLUE SHIELD OF FLORIDA EIN 59-2015694 CLAIMS PROCESSOR | Contract Administrator; Insurance agents and brokers Service code 13 | P.O. BOX 1798 JACKSONVILLE, FL 32231 | $2.2M |
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 181,702 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2,786 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 184,488 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts) | BLUECHOICE HEALTHPLAN | 694 | $744K |
| Dental(16 contracts, 11 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 11,323 | $13.7M |
| Vision(4 contracts, 2 carriers) | EYEMED VISION CARE | 267,569 | $15.9M |
| Life insurance(3 contracts, 2 carriers) | PRUDENTIAL | 196,063 | $56.0M |
| Short-term disability(3 contracts) | PRUDENTIAL | 196,063 | $61.2M |
| Long-term disability(2 contracts, 2 carriers) | PRUDENTIAL | 146,407 | $68.3M |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 190,000 | $13.4M |
| Other(6 contracts, 6 carriers) | PRUDENTIAL | 146,407 | $85.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 267,569 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.